WRAY STATE BANK
WRAY, COLORADO · FDIC Cert #22447
Capital & Safety Analysis
According to FDIC financial data, WRAY STATE BANK holds a Tier 1 capital ratio of 13.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WRAY STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WRAY STATE BANK shows strong financial health indicators. With $262M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WRAY STATE BANK has a Bank Health Score of B (78/100). It holds a Tier 1 capital ratio of 13.36%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WRAY STATE BANK holds $262M in total assets and $235M in total deposits. It is located in WRAY, COLORADO (FDIC Certificate #22447).
WRAY STATE BANK has a Tier 1 capital ratio of 13.36%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.59%, and the return on assets is 1.58%.
Yes. WRAY STATE BANK is FDIC-insured (Certificate #22447). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.